August 26, 2014 • Page 2 shop online at www.missourivalleyshopper.com Dave Says Do You Have A Right To A Raise? BY DAVE RAMSEY Dear Dave, What’s your advice on asking for a raise at work when you have more responsibility than a co-worker but the same title on paper? After being with my company four Dave years, I feel like I should make more money and I have the right to complain about this. — Vanessa Dear Vanessa, Sorry, no. You don’t have a right to complain. You agreed on your pay, and you are doing your job the way your character and integrity tell you to do the job. If someone else is a slacker in the same position, that doesn’t mean a whole lot in terms of your personal compensation. I’ve got several people at my company who hold similar positions and make similar money. Some of them have been here for years, while others are relatively new. I don’t pay people for how long they’ve been in the building, and I don’t want anyone on my team who doesn’t give 100 percent. Now, that may be a different issue than pay, but at the same time I don’t want someone who gives 50 percent and I pay them 50 percent. I want everyone at 100 percent, but that kind of thing isn’t your problem. It’s the company’s problem, because she works for them and not you. If you honestly feel like you deserve a raise because of your effort and performance, that’s fine. Sit down with your leader and make a logical and reasonable argument for why you deserve more money. But don’t bring up your co-worker and what he or she makes in the discussion. That’s just not relevant. What is relevant is your worth and the value you bring to the organization. But a comparative analysis with someone else on staff just isn’t a good idea. I’d stay away from that, Vanessa. — Dave RAMSEY INTERESTED IN THIS SPOT? CALL 665-5884 TO PLACE YOUR AD HERE. PAYING THE INSURANCE PENALTY Dear Dave, My wife and I live in New York, and we’ve had whole life insurance for several years. There’s a seven percent penalty if we cash out the policies now. If we wait a few years, we won’t have to pay into the premiums anymore. Should we cash out the policies anyway? — Brian Dear Brian, The reason you won’t have to pay into the premiums anymore is because you built up enough savings, and they are not paying you enough on the savings to amount to anything. The amount they should have been paying you versus the way they were ripping you off will buy the life insurance. It’s not like you can pay for it because you still have probability of death. As long as there’s a probability of death there’s a cost to life insurance. The only question is whether you’re paying out of your savings account or your checking account. In this case, you’re paying out of savings. The seven percent figure 1000 is just your surrender charge, so I’d get out of that policy soon. Here’s the problem, Brian. If you die today, do you know what they’ll pay? Face value. They won’t pay face value plus the savings you paid for. In other words, you’ll lose your savings. I’d get term life insurance in place by the end of the week. Compare prices on term, because you’ll be surprised at the difference some companies charge for term insurance. Make sure you get good 15- to 20-year level terms policies valued at 10 to 12 times your annual incomes. — Dave ——— Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: “Financial Peace,” “More Than Enough,” “The Total Money Makeover,” “EntreLeadership” and “Smart Money Smart Kids.” The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. Auctions - Public 1020 Sales Fremont Exotic Animal & Bird Auction, Sunday August 31 at 9am. Christiansen Field, Fremont, NE. Taking consignments August 30 2-6 & Sunday August 31 7am-9am. Join us on Facebook @ Fremont Exotic Animal Auction. For more information 402-640-7283. Read & Recycle! Food - Beverage Homegrown Chicken Fryers, $6.25. Maxwell Colony Call for appointment to meet in Yankton. (605)660-0997. 1200 Cars 1955 Chevy 150 2-door sedan with engine, needs restoration. Clear title, $10,000/firm. Call (605)464-7263. r– p Home DecoVintage – Gift Sho ues & Antiq D Y kton, S eu Dr., y.an on Deer Blvd. 3710 N Lake Hw 52 of Just South t the See more a Yankton tand Lemonade Scebook on Fa 605.689.2009 ri. 10-4, Thurs. & F -1 t. 9 Sa 1200 Cars 1200 1966 Oldsmobile Cutlass 2-door hard top with bronze exterior & black top vinyl interior. Hard to find original condition a survivor! Features: 330 V8 automatic transmission, like new vinyl top. Power steering, air conditioning nice original paint, original & clean underside, trunk, engine compartment.. Like new dual exhaust, Redline tires, rally sport wheels (4-original hubcaps in trunk). 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SALES • SERVICE • PARTS • TIRES • ALIGNMENT See complete list of ourat inventor y, with pictures,m www.yanktonmotor.co CARS NEW Address - 1019 Broadway • Yankton, SD 605-665-3751 • Toll Free 1-800-665-5455 Market Price $16,995 4U48 - 2013 Chevrolet Cruze 2LT, 4 door, auto, FWD, 4 cyl. copper, 30,220 miles 4U39 - 2013 Ford Focus SE $15,995 4 door, auto, FWD, 4 cyl, red, 34,649 miles 4U34 – 2013 Ford Taurus $23,995 Limited, 4 door, auto, FWD, V6, brown, 24,256 miles 4U8 – 2012 Ford Mustang Conv. $18,988 2 door, auto, RWD, V6, maroon, 48,584 miles 4U41 – 2012 Ford Taurus SE $17,995 4 door, auto, FWD, V6, white, 52,837 miles 3U58 – 2011 Chrysler 300 $19,967 4 door, auto, V6, 31,633 miles 4U35 – 2011 Ford Taurus SEL $16,895 4 door, auto, FWD, V6, white 77,901 miles 4U38 – 2010 Mercury Milan $15,495 Premier, 4 door, auto, FWD, V6, black, 58,948 miles 4U43a – 2009 Chevrolet Cobalt $9,679 LS, 4 door, manual, 4 cyl., black, 32,095 miles 4U40 – 20009 Chevrolet Impala LS $11,995 4 door, auto, V6, ?ex fuel, FWD, gray, 76,932 miles 3U1 – 2009 Lexus IS250 $23,889 4 door, auto, V6, 2.5L, white, 46,087 miles 4U17A – 2009 Toyota Yaris $10,988 4 door, auto, FWD, 4 cyl., silver, 76,423 miles 4U11 – 2008 Chrysler Sebring $10,997 LX, 4 door, auto, FWD, 4 cyl., white, 55,510 miles 3U2d – 2008 Ford Focus $9,989 SES, 4 door, auto, FWD, 4 cyl., black, 87,568 miles 4U10 – 2008 Cadillac DTS $19,985 W-1SE, 4 door, auto, FWD, 8 cyl., 42,200 miles 4U37 – 2008 Pontiac G6 $11,995 4 door, FWD, 4 cyl., silver, 53,516 miles 4U5 – 2008 Toyota Camry $14,989 LE, power sunroof, 4 door, FWD, 4 cyl., green, 51,145 miles Sale Price $15,932 $15,648 $22,997 $17,734 $16,998 $17,867 $15,854 $14,444 $8,947 $10,823 CARS Market Sale Price Price 4U52 – 2007 Ford Mustang Shelby GT $24,997 $23,997 2 door, manual, V8, black, 34,222 miles 4U19 – 2006 Buick Lucerne $13,877 $11,932 CXS Luxury pkg., 4 door, FWD, 8 cyl., light bronze, 77,412 miles 4U28a – 2006 Chevrolet Impala $9,989 $8,967 LTZ, 4 door, auto, FWD, 4 cyl., gray, 104,281 miles 3U33 – 2005 Chrysler Sebring $6,893 $6,433 4 door, auto, FWD, 4 cyl., green mist, 93,893 miles 4U25a – 2000 Buick LeSabre $4,933 $4,299 Custom, 4 door, auto, FWD, V6, gold, 124,534 miles 3C1b – 1997 Pontiac Grand Prix $3,495 $2,473 GTP, auto, FWD, V6, red, 191,000 miles VANS 4U32a – 2007 Chrysler Town & Country $9,997 Touring, auto, FWD, V6, maroon, 95,598 miles 3U56b – 2005 Dodge Grand Caravan $5,877 SXT, TV, DVD, auto, FWD, V6, maroon metallic, 147,933 miles $9,498 $4,956 $22,697 $9,967 $9,778 $9,227 $18,967 $11,257 $13,898 SUV 3U73 – 2013 Ford Expedition 8 XLT, auto, 4WD, V8, blue, 18,529 miles 3U4 – 2011 Chevrolet Equinox o LTZ, sport utility, auto, FWD, 4 cyl., gray, 77.745 miles 4U33 – 2011 Ford Explorer u XLT, sport utility, auto, 4WD, V6, white, 55,283 miles s 3U23 – 2009 Saturn Vue XE Sport utility, LXE, auto, FWD, 4 cyl., silver, 39,593 miles $35,988 $34,556 $19,944 9 $25,923 $14,559 $13,977 Market Sale Price Price 3U64 – 2008 Chevrolet Trailblazer $13,944 $12,997 LT, auto, 4WD, 6 cyl., silver, 82,572 miles 4U51 – 2007 Jeep Grand Cherokee $12,987 $11,777 Laredo, Sport Utility, auto, 4WD, V8 White, 95,411 miles 3U31b – 1998 GMC Yukon $5,895 $5,495 Sport utility, auto, 4WD, V8, white, 155,757 miles 4U49a2 – 1996 GMC Suburban $3,995 $3,633 SLT, sport utility, auto, 4WD, V8, burgundy TRUCKS 4U55 – 2012 GMC Sierra 1500 $30,997 $29,877 Full-size crew/quad cab, auto, 4WD, V8, white, 41,380 miles 4U4 – 2011 GMC Sierra 2500HD $47,879 $46,911 Denali, leather, 4WD, diesel, full-size crew cab, white, 46,408 miles 3U45a – 2006 Ford F250 $15,986 $15,449 Full size, auto, 4WD, extended cab, auto, 8 cyl., white, 73,397 miles 4U47 – 2005 Ford F-150 $14,998 $14,498 Full size, auto, RWD, crew/quad cab, auto, V8, gold, 71,726 miles 3U69b – 2002 Dodge Dakota $8,985 $7,947 Sport, compact pickup, auto, 4WD, extended cab, V8, gray, 128,198 miles $18,911 $27,995 7 SUV’s We buy, sell and trade quality vehicles. If we don’t have what you want, we can ?nd it! For Sales call Joe or Syd After Hours Sales Call Joe @ 605-661-1799 or Syd @ 605-690-4917 We Offer Financing and Extended Service Plans Monday Thru Friday: 8am - 6pm • Saturday: 8am - 4pm • Sunday By Appointment See all the vehicle photos at: www.yanktonmotorcompany.com or www.yankton.cc